LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,051
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$634/mo
Today · 4.125%
HK$21,308
baseline
▲ 0.50% · 4.625%
HK$22,604
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,616/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,306
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,904
−HK$607/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,751
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,809
−HK$761/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$27,125
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,767
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,485
−HK$728/mo
Today · 4.125%
HK$28,213
baseline
▲ 0.50% · 4.625%
HK$29,701
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,426/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,944
−HK$887/mo
Today · 4.125%
HK$29,831
baseline
▲ 0.50% · 4.625%
HK$31,646
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,662/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$850/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,651
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,091
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$1,140/mo
Today · 4.125%
HK$38,354
baseline
▲ 0.50% · 4.625%
HK$40,688
+HK$2,334/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,708/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,151
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,092/mo
Today · 4.125%
HK$42,320
baseline
▲ 0.50% · 4.625%
HK$44,551
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,640/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,794 · Scale 2, in force from 26 Feb 2026)